Financing a Jimmy John's with an SBA loan
Since FY2020, 34 Jimmy John's locations changed hands on an SBA 7(a) loan. Here is what those deals looked like, which lenders wrote them, and where the brand stands with the SBA.
Jimmy John's franchising: franchising.inspirebrands.com
What a lender sees
Jimmy John's is an established brand in the SBA loan file: 34 acquisitions cleared underwriting in the last five years. At the $570,000 median loan, a standard 7(a) structure puts roughly $57,000 of buyer equity into the deal at the 10 percent minimum injection, with the rest financed over ten years. The 9.50 percent median rate is the number to model your payment against.
Lenders that actually write these
The banks below approved the most Jimmy John's acquisitions in the file. A lender that has funded this brand before is the fastest path through underwriting.
- Live Oak Banking Company8 Jimmy John's loans
- BankVista2 Jimmy John's loans
- Southern Bank2 Jimmy John's loans
- United Business Bank2 Jimmy John's loans
- 21st Century Bank1 Jimmy John's loan
SBA conditions on this brand
When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Option to Assume Lease may not be executed.
Every franchise the SBA will finance carries an entry in its directory, and some carry conditions like this one about how the real estate and the lease may be held. A lender has to clear these before funding, so they are worth reading before you make an offer.
Loan counts, median size, median rate, and lender ranking are computed from the SBA 7(a) FOIA file, change of ownership approvals, FY2025 to FY2026 Q3, as of June 30, 2026. Eligibility, the identifier code, and any conditions are from the SBA Franchise Directory, effective August 11, 2026. We are not affiliated with Jimmy John's or its franchisor, and directory listing is not an endorsement of any individual deal. Methodology.